Croatia travel insurance

Croatia Travel Insurance – 5 Best Sites to Search (2023)

Planning a trip to Croatia and looking for Croatia travel insurance? In this guide, I’ll cover everything you need to know about getting travel insurance for Croatia.

I’ve traveled the world full time for half a decade, and a lot has happened in that time. I’ve been robbed in Belize, had my laptop stolen in Austin, and gotten stuck in Argentina due to COVID-19. Fortunately, I’ve never had a problem in Croatia, but I still choose to get insured just in case.

Best Sites to Search | Requirements | Why Get Insurance | Safety | Tips | Methodology | FAQ

Disclaimers: We are not insurance brokers. This post is for informational purposes only and is not insurance advice. Links on this page are affiliate links. Using them supports this independent travel blog with a small commission at no extra cost to you. Thank you!

⭐ My #1 Choice
Comparison Site
For Digital Nomads
Description:

A search engine that fetches quotes from hundreds of companies. Great for comparison shoppers who want to really dig into details!

Description:

Can pull quotes for either travel medical insurance or trip insurance. Great if you only need one type of cover!

Description:

Affordable medical cover targeted at digital nomads who want recurring subscription-style coverage.

Pros:
  • Compares hundreds of insurers in one click
  • Easy to see customer reviews
  • Filters to search for CFAR & Covid-19 coverages
Pros:
  • Super easy to customize
  • Often finds cheapest policies
Pros:
  • Cheap monthly travel medical insurance for digital nomads
Cons:
Cons:
  • Choices may be overwhelming
Cons:
  • Not full travel insurance (only medical)
4.9
4.7
4.4
⭐ My #1 Choice
Description:

A search engine that fetches quotes from hundreds of companies. Great for comparison shoppers who want to really dig into details!

Pros:
  • Compares hundreds of insurers in one click
  • Easy to see customer reviews
  • Filters to search for CFAR & Covid-19 coverages
Cons:
4.9
Comparison Site
Description:

Can pull quotes for either travel medical insurance or trip insurance. Great if you only need one type of cover!

Pros:
  • Super easy to customize
  • Often finds cheapest policies
Cons:
  • Choices may be overwhelming
4.7
For Digital Nomads
Description:

Affordable medical cover targeted at digital nomads who want recurring subscription-style coverage.

Pros:
  • Cheap monthly travel medical insurance for digital nomads
Cons:
  • Not full travel insurance (only medical)
4.4

TravelInsurance.com (#1 Overall)

#1 Comparison Site
Travel Insurance.com
4.7

This fantastic search engine fetches quotes from hundreds of insurance companies in just one minute. The intuitive interface is perfect for comparing policies & quotes.

Pros:
  • Compares hundreds of insurers in one click
  • Easy to see customer reviews
  • Filters to search for CFAR & Covid-19 coverages
Get Quotes

My first place to get a quote for travel insurance for Croatia would be TravelInsurance.com. This is an insurance comparison site that lets you compare policy providers head to head.

Just fill in a few details, and you’ll have dozens or even hundreds of quotes for your Croatia trip in minutes. You can easily see and compare coverages and customer reviews for each provider. With hundreds of policies available, I love learning what each travel insurance policy offers with just a few clicks.

With so many options presented side-by-side, the one drawback to this site is that it might be a little overwhelming to navigate. Here’s a quick pro tip to help: check out their nifty filters, which let you narrow down your search for particular types of policies. For example, you can find CFAR (“cancel for any reason”) policies, covid-19 coverages, and policies that allow pre-existing conditions.

VisitorsCoverage (Comparison Site)

Comparison Site
VisitorsCoverage

I love that VisitorsCoverage lets you compare quotes for either travel medical insurance or trip insurance. They are different things, so it's great if you only want one!

Stars:
4.7
Pros:
  • Super easy to customize your coverage
  • Quotes tend to be cheaper
Cons:
  • So many options & choices may be overwhelming
Get Quotes

Another comparison site worth searching is VisitorsCoverage. This is another site that lets you input the dates of your trip to Croatia, and almost instantly get back dozens of quotes from different insurers.

One upside to VisitorsCoverage is that they have a more robust set of filters to work with. In addition to filters for Covid-19 coverages and CFAR, you can also search for Croatia travel insurance policies with rental car coverage, or that are cancellable or renewable.

A key distinguishing factor for VisitorsCoverage is that you can search separately for travel medical insurance or trip insurance. This could help you save on cost if you only care about travel medical insurance for Croatia, and don’t want insurance coverage for things like trip delay or cancellation. Personally, travel medical insurance for Croatia is my main priority, so I like the ability to get a quote for it separately.

Overall, VisitorsCoverage is a solid site to search for Croatia travel insurance. I personally would search it in combination with TravelInsurance.com to compare even more policies.

Genki (Digital Nomad Health Insurance)

For Digital Nomads
Genki

Genki provides extremely affordable medical cover for longer stays. It's really targeted at digital nomads who want health cover as a recurring subscription.

Stars:
4.5
Pros:
  • Affordable monthly medical coverage
  • Simple claims process
Cons:
  • Only medical - not full travel insurance (no gear, theft, or trip delay coverages)
Get Quotes

Croatia is one of the most popular destinations for digital nomads and remote workers. As a digital nomad myself, I currently use Genki for my international health insurance for Croatia and everywhere else I travel. I think it is the best travel insurance for digital nomads currently on the market.

Genki works on a subscription model. You pay one low monthly rate (just like you would for normal health insurance) and coverage automatically renews month to month.

The advantages of Genki are the relatively low deductibles, the ability to choose your own doctor, the Covid-19 coverages, and the fact that they let you go to any authorized healthcare provider.

However, there are some significant drawbacks to Genki too. First, it isn’t available to people over age 50. Second, it’s not full travel insurance for Croatia, so you can’t rely on it for coverages for things like trip delay or cancellation. If you’re a digital nomad in Croatia who only cares about medical coverage, it may be a good option to consider. To date, I’ve been a happy customer.

Insure My Trip (Best for Seniors)

Best for Seniors 70+
Insure My Trip
3.9

This is the site that seems to return the most quotes for customers who can't find one elsewhere due to age or pre-existing conditions.

Pros:
  • Usually finds quotes for seniors even when other sites won't offer anything past a certain age
  • Also finds quotes for pre-existing conditions
Cons:
  • No clearly displayed info about Covid coverages
  • Clunky user experience
Get Quotes

Several readers have suggested Insure My Trip as a good place for seniors over 70 or people with pre-existing conditions to get coverage. This is another aggregator website, so you can investigate and compare many options before buying travel insurance for Croatia.

They also have an “Anytime Advocates” program which is worth mention. This program basically assigns you a representative to help if you need to make a claim that requires underwriting your policy. If your claim is denied, the advocate will keep working on your behalf to determine why and help with the appeal process.

Aardy (Travel Insurance Comparison Site)

Although it is not the first place I would personally look for travel insurance for Croatia, another site to consider searching is Aardy. It’s another insurance comparison site that will pull quotes from multiple Croatia insurance providers.

There are a couple reasons I’ve ranked Aardy last on this list. First, I personally find its interface less user-friendly compared to TravelInsurance.com. Second, they require you to hand over your email just to get a quote, which none of the other travel insurance sites on this list do.

There are some advantages to Aardy too, though. In particular, I am a fan of how they clearly display their Covid-19 coverages. If you’re primarily looking for Croatia travel insurance covering Covid-19, this might be a good site to search.

Croatia Travel Insurance Requirements

The Croatia Interior Ministry’s list of legal requirements for tourists does not include any requirement to purchase travel insurance for Croatia. With that said, many travelers from the USA elect to get insured. The US Bureau of Consular Affairs even recommends “you should purchase insurance before you travel.”

Why I Get Insurance for Croatia

Rooftops in Dubrovnik's Old City
Dubrovnik’s Old City

While it’s not mandatory to buy travel insurance while traveling to Croatia, many travelers think it is a good idea to get coverage no matter your destination.

I personally always buy travel insurance when I visit European countries, too. Here are some common coverages I personally consider.

Disclaimer: I share this just as general information, not specific advice on selecting a Croatia travel insurance policy. Of course, be sure to carefully check the terms and conditions of your particular policy!

COVID-19 Considerations

COVID-19 is a still factor to consider while traveling to Croatia. Many travelers have seen their trips to Croatia completely derailed by COVID-19.

This Washington Post article, entitled “What If You Test Positive for Covid Abroad? Here’s What Travelers Need to Know,” covers struggles some tourists face while dealing with COVID-19 overseas. While an insurance policy isn’t going to take the stress of catching COVID, it may at least provide some financial protection for covered losses.

Emergency Medical Coverage

Emergency medical coverage for injuries and sickness while traveling is important to me. Depending on the policy, this may include coverage for hospitalization, out-patient treatment for medical emergencies, prescribed medicines, x-rays, and lab tests. Note that for many policies, it depends what activities in Croatia you are doing (for example, adventure activities may require the purchase of extra coverage).

An emergency can happen to anyone, even if you’re healthy. International medical expenses can add up fast, so I try to choose a healthcare policy that can keep me safe!

Trip Cancellation

Trip cancelation is a benefit that can reimburse you for covered pre-paid non-refundable trip costs when you have to cancel because of a reason covered under your plan.

Usually trip cancellation has very specific coverage limits and exclusions that apply, so it varies a lot from policy to policy. The broadest trip cancellation policies are called CFAR or “cancel for any reason” policies. You can find these by using the CFAR filter on TravelInsurance.com or VisitorsCoverage.

Rental Car Protection

Old car on mediterranean island of Lastovo, Croatia

Like most every country, Croatia requires car insurance for those driving in Croatia to protect against liability in case of an accident. Depending on your home country and the terms of your personal auto policy, you may or may not care about rental car coverage for Croatia.

By the way, there’s honestly so much to love about taking a road trip around Croatia. You can experience the beautiful Dubrovnik coast or the countless national parks.

Theft Protection Coverage

Some Croatia policies may provide protection against bag being lost, or items being stolen. Be sure to check the policy limits closely here, as most have a cap on payouts for this type of loss.

Crime rates are low in Croatia, but pickpocketing and petty theft are something a tourist should consider in bigger cities like Zagreb. Keep your personal gear covered.

Lost Luggage Coverage

boats tied up in Hvar
Hvar, Croatia

Though baggage loss is relatively rare, and is often covered by the airline anyway, this adds an extra layer of protection should something go wrong in transit.

It’s possible your suitcases can get lost during your flight. Having an insurance policy that will cover your items so you can relax at baggage claim. Still, it’s always advisable to keep valuables in your carry on luggage.

Medical Evacuation and Repatriation

Medical evacuation coverage is a benefit that can cover emergency transportation and related medical services or supplies. It may also help repatriate your remains should the worst happen while you are in Croatia.

Of course, nobody wants to think about having a serious emergency. If you need to get home during an emergency, costs can quickly add up, and you can pay way more money than you planned.

These are some advantages of buying an insurance policy for your trip to Croatia. The exact coverage you receive will depend on the policy, so do careful research before you buy insurance cover for Croatia!

Travel Safety in Croatia

stones on a walkway in Croatia
Rovinj, Croatia

Croatia is generally safe for travel. Most tourists feel perfectly safe during their trip to the country, and I don’t want to overplay any safety concerns because I think Croatia is overall quite safe. But there are still some things you should know before booking those tickets to Dubrovnik.

First, you may want to check out travel advisories from the US Travel Department or UK’s FCO.

Second, consider the following information about safety in Croatia:

Crime in Croatia

Overall, crime is low in Croatia, and violent crime is rate, making visiting a safe option for travelers. Croatia has even ranked as the 22nd safest country for tourists by Global Finance.

If you do experience crime in Croatia, it will likely be petty theft or scams. Here are some tips to consider:

  • 👀 Keep an eye on your belongings. Petty theft may occur in Zagreb or other major cities, so make sure to pay attention to your things.
  • 💳 Consider using an RFID-blocking wallet to keep your credit cards safe from thieves using digital scanners. These are useful in crowded cities across Europe.
  • 👉 Only keep a few key items on you at a time, like your phone and wallet. Keep everything else in a locked room or safe where you are staying.

Since Croatia is typically safe, a little common sense is usually enough to ward off the worst. Follow a few general travel rules and immerse yourself in the culture and natural landscape.

Croatia’s Healthcare System

Croatia has three types of healthcare. Croatian citizens can access basic free healthcare called HZZO, private supplemental insurance, or private health insurance.

For EU members, you should carry your European Health Insurance Card (EHIC) to benefit from HZZO care. UK nationals may need to research getting a Global Health Insurance Card if their EHIC has expired.

If you’re not a member of the UK or EU country, you may want to get medical insurance so you won’t have to pay medical costs out of pocket during an emergency. This is a primary reason why, as an American, I get travel insurance for Croatia.

Health Insurance in Croatia

Getting your head around the three-tiered system can be difficult. If you’re an ex-pat looking for national coverage, take a look at this guide, which goes into depth about each type of insurance available and other related factors.

Croatia Tips and Info

sunset over a hill in Croatia
Sunsets in Croatia are gorgeous
  • 🗺️ Where to Go: Dubrovnik, while super popular these days, is a stunning place to visit. For something a little less known, consider heading to Rovinj. Or just check out our full article on the best travel destinations in Croatia.
  • 📆 Best Time to Travel to Croatia: Croatia is best experienced in the summer! Get lost experiencing the idyllic beaches, and coast towns make the country an extraordinary sunny getaway.
  • 💶 Currency: As of January 2023, Croatia has switched over to using the Euro as its currency.
  • 🗨️ Language: Croatian is the official language, and 80% of Croatians speak at least one other language. Generally speaking, tourists will have no problem getting by with English.

Check out our full Croatia travel guide for more info to help you plan your trip!

Methodology

About Nate Hake: I’m a travel writer and former corporate lawyer originally from Colorado. I have been traveling the world my entire live, including more or less continuously since 2016. I have visited Croatia, and purchased travel insurance for Croatia, multiple times. My website, Travel Lemming, is among the top travel guides to Croatia.

Methodology: I have extensively used and personally tested each of the sites mentioned. I have bought policies from companies on this list, both for myself and for family members traveling to meet me. In assessing travel insurance for Croatia or anywhere else, the factors I believe matter most are: transparency, overall user friendliness, and customer reviews from policyholders who have filed claims. These are the factors I used in ranking the sites on this guide. Of course, ultimately any ranking is subjective, and you’ll need to try the sites out for yourself to make your own judgments.

FAQs About Croatia Travel Insurance

How much is health insurance in Croatia?

The cost of health insurance for ex-pats living in Croatia will depend on the type of coverage you choose and the individual policy. The price will depend on a variety of factors such as your age and location. Travelers coming from the US will be pleased to find that health insurance in Croatia is usually considerably cheaper than in the United States.

What is the average cost of travel insurance for Croatia?

Based on my sample quotes from TravelInsurance.com and VisitorsCoverage for a healthy 35 year old traveling to Croatia, the average cost of trip insurance for Croatia is around $100-$150 USD per month. This is an approximate answer, because the actual cost will vary depending on a number of factors personal to each traveler.

***

This is a guide for Croatian travel insurance. Make sure you always read the terms and conditions before you buy, and ask a licensed broker if you have any questions.

Make sure to check out our Croatia 10 Days Itinerary while you plan your trip, and happy travels!

Related reading:

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